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Does Euro Pacific Bank make any loans, extend leverage, or use client assets in any way?

Euro Pacific Bank is unique in the banking world as it is a transactional only bank. This means that the bank keeps a deposit ratio of 100%. Contrast this to most banks worldwide, where they operate on a fractional reserve system, typically lending out 90%+ of client deposits. What this means for depositors is that the bank is not susceptible to a ‘bank run’. If all of the bank’s depositors request their capital withdrawn, this request can be fulfilled in full without compromising the solvency of the bank. Again, contrasting this with the majority of banks globally, if even a small ratio of depositors request withdrawals (10%+) the bank is at risk of insolvency and the loss of client deposits, at the very least a banking holiday.

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Euro Pacific Intl. Bank Inc. is licensed and regulated by the Office of the Commissioner of Financial Institutions (OCIF) in Puerto Rico as an International Financial Entity (license # IFE-033). International Financial Entities (IFEs) are licensed and regulated by the Office of the Commissioner of Financial Institutions pursuant to Act No. 273 of September 25, 2012, as amended (the IFE Act) and Regulation No. 5653. Euro Pacific Intl. Bank Inc. is authorized to trade as Euro Pacific Bank. Euro Pacific Bank is not insured by the FDIC in the United States.

Proprietary mutual funds are offered through Euro Pacific Funds SCC Ltd., a licensed public mutual fund company in St. Vincent and the Grenadines.

Fund and investment advisory services are offered through Euro Pacific Advisors Ltd., a licensed fund management company in St. Vincent and the Grenadines.

Euro Pacific Securities, Inc., Euro Pacific Funds SCC Ltd., and Euro Pacific Advisors Ltd., are all wholly owned subsidiaries of Euro Pacific Intl. Bank Inc., but are not governed by the laws and protections of Puerto Rico or the United States.

Disclaimer

This Website is intended for the use of NON United States or Puerto Rican citizens or residents.

The products and services provided on this website are not intended for use by any individual or entity in a country where the use would be contrary to law. Certain products and services offered on this website may have legal and or regulatory restrictions and may not be available in all geographical jurisdictions. The information contained on this website is intended for informational purposes only and is not a solicitation for any products or services.

Please be aware that the Bank will be operating on modified opening hours for the holiday season. Holiday hours are listed here for your convenience.
Euro Pacific Bank wishes you a happy holiday season and all the best in 2019.